Stock Scorecard
Stock Summary for IF Bancorp Inc (IROQ) - $24.68 as of 6/5/2025 3:02:20 AM EST
Total Score
12 out of 30
Safety Score
44 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for IROQ
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for IROQ
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for IROQ
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for IROQ
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for IROQ (44 out of 100)
| Stock Price Rating (Max of 10) | 7 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 7 |
| Book Value (Max of 10) | 7 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 4 |
| Operating Margin (Max of 10) | 5 |
| Trading Volume (Max of 10) | 0 |
| Price to Earnings (Max of 10) | 7 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for IROQ
Financial Details for IROQ
Company Overview |
|
|---|---|
| Ticker | IROQ |
| Company Name | IF Bancorp Inc |
| Country | USA |
| Description | IF Bancorp, Inc. is the savings and loan holding company of the Federal Iroquois Savings and Loans Association, offering a range of banking and financial services to individual and corporate clients. The company is headquartered in Watseka, Illinois. |
| Sector Name | FINANCE |
| Industry Name | SAVINGS INSTITUTION, FEDERALLY CHARTERED |
| Most Recent Quarter | 3/31/2025 |
| Next Earnings Date | N/A |
Stock Price History |
|
| Last Day Price | 24.68 |
| Price 4 Years Ago | 24.14 |
| Last Day Price Updated | 6/5/2025 3:02:20 AM EST |
| Last Day Volume | 6,705 |
| Average Daily Volume | 1,395 |
| 52-Week High | 25.55 |
| 52-Week Low | 14.58 |
| Last Price to 52 Week Low | 69.27% |
Valuation Measures |
|
| Trailing PE | 23.37 |
| Industry PE | 19.34 |
| Sector PE | 20.61 |
| 5-Year Average PE | 17.41 |
| Free Cash Flow Ratio | 8.97 |
| Industry Free Cash Flow Ratio | 3.41 |
| Sector Free Cash Flow Ratio | 12.49 |
| Current Ratio Most Recent Quarter | 87.48 |
| Total Cash Per Share | 2.75 |
| Book Value Per Share Most Recent Quarter | 24.43 |
| Price to Book Ratio | 1.00 |
| Industry Price to Book Ratio | 0.93 |
| Sector Price to Book Ratio | 2.05 |
| Price to Sales Ratio Twelve Trailing Months | 3.13 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.10 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.14 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 3,231,200 |
| Market Capitalization | 79,746,016 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 3/21/2025 |
| Previous Dividend Amount | 0.2000 |
| Current Dividend Amount | 0.2000 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.40 |
| Trailing Annual Dividend Yield | 1.65% |
| Forward Annual Dividend Rate | 0.40 |
| Forward Annual Dividend Yield | 1.65% |
| 5-Year Dividend Payments Count | 10 |
| 3-Year Average Dividend Yield | 1.73% |
| 5-Year Average Dividend Yield | 1.99% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 5.33% |
| All-Time Dividend Growth Rate Percentage | 14.87% |
| Dividend Payout Ratio | 38.46% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 40.90% |
| Annual Earnings Growth | -61.59% |
| Reported EPS 12 Trailing Months | 1.04 |
| Reported EPS Past Year | 0.89 |
| Reported EPS Prior Year | 0.55 |
| Net Income Twelve Trailing Months | 3,294,000 |
| Net Income Past Year | 1,790,000 |
| Net Income Prior Year | 4,660,000 |
| Quarterly Revenue Growth YOY | 15.10% |
| 5-Year Revenue Growth | 0.05% |
| Operating Margin Twelve Trailing Months | 22.70% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 8,872,000 |
| Total Cash Past Year | 9,571,000 |
| Total Cash Prior Year | 10,988,000 |
| Net Cash Position Most Recent Quarter | -77,127,000 |
| Net Cash Position Past Year | -48,678,000 |
| Long Term Debt Past Year | 58,249,000 |
| Long Term Debt Prior Year | 19,500,000 |
| Total Debt Most Recent Quarter | 85,999,000 |
| Equity to Debt Ratio Past Year | 0.56 |
| Equity to Debt Ratio Most Recent Quarter | 0.48 |
| Total Stockholder Equity Past Year | 73,916,000 |
| Total Stockholder Equity Prior Year | 71,753,000 |
| Total Stockholder Equity Most Recent Quarter | 78,940,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 4,766,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 1.47 |
| Free Cash Flow Past Year | 2,036,000 |
| Free Cash Flow Prior Year | 516,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.11 |
| MACD Signal | 0.12 |
| 20-Day Bollinger Lower Band | 23.12 |
| 20-Day Bollinger Middle Band | 23.95 |
| 20-Day Bollinger Upper Band | 24.77 |
| Beta | 0.34 |
| RSI | 51.41 |
| 50-Day SMA | 17.64 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 18.59 |
System |
|
| Modified | 6/5/2025 3:02:21 AM EST |